Commercial General Liability Program from Bailey Special Risks, Inc.
Bailey Special Risks, Inc. (BSR) offers a Commercial General Liability (CGL) program for agents and brokers placing liability coverage for a wide range of small to mid-sized businesses. As a wholesale broker with deep market access and underwriting expertise, BSR helps you place both routine and harder-to-place risks by matching accounts to appropriate non-admitted markets, including United States Liability Insurance Group.
Whether the account is a single-location retail shop, a growing restaurant group, or a multi-site light manufacturer, BSR works with agents to secure tailored general liability solutions that address premises, operations, and advertising/personal injury exposures. We focus on practical placement solutions for accounts that may be complex due to operations, prior claims, or unique exposures.
Ideal Accounts and Appetite
BSR targets a broad set of everyday business classes and selected specialty accounts, including:
- Bars, taverns, restaurants, and private clubs
- Beauty salons, nail salons, and barber shops
- Business owners and neighborhood retail establishments
- Commercial and residential child care centers
- Convenience stores, delis, grocery, and liquor stores
- Fitness centers and gyms
We also offer class-specific supplements for:
- Dance, language, and music schools
- Electronics and specialty retail stores
- Fast food and quick-serve establishments
- Habitational risks (apartments, rental properties)
- Laundromats and similar service businesses
If an account has niche operations or previous losses, BSR can often provide guidance and market access that other brokers cannot. We encourage you to submit full details — many accounts that appear declined elsewhere are placeable with the right underwriting information.
Coverage Highlights and Advantages
BSR’s CGL program provides broad liability protection for bodily injury, property damage, and personal & advertising injury. Policies are customizable with endorsements appropriate to the class and carrier, allowing you to tailor limits and coverages to client needs. As a wholesale broker, BSR offers:
- Access to United States Liability Insurance Group and additional non-admitted markets
- Flexible quoting for standard and moderately complex risks
- Underwriting support to identify exposures and required supplements
- Practical solutions for accounts with prior claims or unusual operations
Underwriting Notes and Minimum Premiums
Underwriting requirements vary by class. You should submit a completed ACORD application plus any applicable class-specific supplements to receive an accurate quote. For accounts with prior claims, provide loss runs and pertinent risk control measures to improve placement prospects. While there is no fixed public minimum premium listed, BSR’s underwriting team will advise on pricing and minimums during the submission review.
Territories and Availability
BSR writes this CGL program on a non-admitted basis and is available in the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MS, MO, NV, NJ, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WV, WI, and WY.
Why Work with Bailey Special Risks, Inc.?
BSR combines decades of commercial lines experience with strong carrier relationships and a hands-on underwriting approach. Agents benefit from responsive service, fast initial reviews, and help assembling the right submission package. BSR’s strength is finding solutions for middle-market and main-street businesses that need dependable liability coverage but present non-standard challenges.
Example scenarios where BSR adds value
- You have a multi-location casual dining client with a prior liquor-related claim — BSR can help identify appropriate non-admitted capacity and negotiable terms.
- You’re placing a neighborhood laundromat or salon that many admitted markets declined — BSR can coordinate supplements and present the risk to specialty markets.